When there is a decrease in thermal energy, how do your clothes prevent the cold by transferring heat?

Explanation:

When a substance is heated, it gains thermal energy. Therefore, its particles move faster and its temperature rises. When a substance is cooled, it loses thermal energy, which causes its particles to move more slowly and its temperature to drop. A clothing layer between the surfaces will interfere with radiative heat transfer by intercepting the energy flow; the clothing will reach a temperature that is about the average of the temperatures of the two surfaces, cutting the temperature difference between them in two, and therefore the radiant flow is decreased

answer; ///i do believe that the correct answer is (b); ///particle composed of two or more atoms bonded together;

it would be a gas formation